{"id":209,"date":"2025-07-10T19:12:59","date_gmt":"2025-07-10T19:12:59","guid":{"rendered":"https:\/\/fgmortgagecorp.com\/?page_id=209"},"modified":"2026-01-15T23:06:48","modified_gmt":"2026-01-15T23:06:48","slug":"faq","status":"publish","type":"page","link":"https:\/\/fgmortgagecorp.com\/pt\/faq\/","title":{"rendered":"PERGUNTAS E RESPOSTAS"},"content":{"rendered":"
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Q&A<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Turn Your Dream Home into Reality with FG Mortgage\u2014Flexible Solutions, Competitive Rates, and Personalized Support at Every Step.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Quem \u00e9 Filipe Guimar\u00e3es? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Mais de 20 anos<\/strong> de experi\u00eancia e mais de 1.500 fam\u00edlias atendidas nos EUA.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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Como o Filipe pode me ajudar? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Voc\u00ea que ainda n\u00e3o sabe por onde come\u00e7ar… o processo de financiamento pode parecer complexo, mas com a ajuda certa tudo se torna mais f\u00e1cil:<\/p>

  • An\u00e1lise personalizada <\/b><\/li>
  • Ajuda para obter sua pr\u00e9-aprova\u00e7\u00e3o com agilidade <\/b><\/li>
  • Busca pelas melhores taxas e condi\u00e7\u00f5es <\/b><\/li>
  • Acompanhamento do in\u00edcio ao fim do processo<\/b><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t
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    Por que eu preciso de um Loan Officer? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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    • Expertise t\u00e9cnica: evita erros e garante aprova\u00e7\u00e3o.<\/li>
    • Acesso a programas espec\u00edficos: ITIN, SSN, brasileiros no Brasil.<\/li>
    • Economia de tempo e dinheiro: evita burocracia e acelera o processo.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t
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      Qual tipo de financiamento devo usar para comprar uma casa? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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      • FHA Loan<\/b>: ideal para primeira casa, com entrada baixa.<\/li>
      • Conventional Loan<\/b>: para quem tem bom cr\u00e9dito e com entrada baixa.<\/li>
      • DSCR Loan<\/b>: n\u00e3o exige comprova\u00e7\u00e3o de renda.<\/li>
      • ITIN Loan<\/b>: para quem n\u00e3o tem SSN, com entrada de 15% a 20%.<\/li>
      • Financiamento Commercial: <\/b>Ideal para quem quer investir em im\u00f3veis comerciais nos EUA, com foco em gera\u00e7\u00e3o de renda.<\/li><\/ul>
        • Financiamento Non-QM: <\/b>Solu\u00e7\u00e3o flex\u00edvel para quem n\u00e3o se encaixa nos financiamentos tradicionais, como aut\u00f4nomos ou estrangeiros sem comprova\u00e7\u00e3o padr\u00e3o de renda.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t
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          Quanto de entrada eu preciso dar para financiar meu im\u00f3vel? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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          • FHA<\/b>: a partir de 3,5%<\/li>
          • Conventional<\/b>: geralmente a partir de 5%<\/li>
          • ITIN<\/b>: entre 15% e 20%<\/li>
          • Foreign loans: <\/b>25% a 30%<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t
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            Tenho SSN. Consigo dar uma entrada menor? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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            Sim! Com SSN, voc\u00ea pode se qualificar para programas como FHA com apenas 3,5% de entrada<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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            Tenho apenas ITIN. Posso financiar um im\u00f3vel? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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            Sim, existem programas espec\u00edficos para quem tem ITIN. A entrada costuma ser entre 15% e 20%.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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            Quero financiar minha primeira casa para morar. Qual o melhor programa? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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            O FHA Loan <\/b>costuma ser a melhor op\u00e7\u00e3o, com entrada reduzida e requisitos mais acess\u00edveis.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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            Decidi financiar um im\u00f3vel. Qual \u00e9 o meu primeiro passo? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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            Comece descobrindo seu Buying Power <\/b>\u2014 sua capacidade de compra. Em seguida, busque a pr\u00e9-aprova\u00e7\u00e3o<\/b>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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            O que preciso para receber a carta de pr\u00e9-aprova\u00e7\u00e3o? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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            • Comprovante de renda<\/li>
            • Score de cr\u00e9dito (hard pull)<\/li>
            • Informa\u00e7\u00f5es sobre seu trabalho<\/li>
            • Documento de identidade (ITIN ou SSN)<\/li>
            • Comprova\u00e7\u00e3o do valor da entrada<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t
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              Por que preciso verificar meu credit score? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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              A an\u00e1lise de cr\u00e9dito ajuda a determinar o melhor programa para seu perfil.
              Aten\u00e7\u00e3o: <\/b>utilizamos hard pull<\/b>, pois ele fornece informa\u00e7\u00f5es completas.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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              E se eu ainda n\u00e3o tiver a entrada? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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              Come\u00e7ar o planejamento agora pode garantir melhores taxas no futuro.
              A FG Mortgage te acompanha na prepara\u00e7\u00e3o at\u00e9 a aprova\u00e7\u00e3o.<\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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              O que \u00e9 a carta de pr\u00e9-aprova\u00e7\u00e3o? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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              \u00c9 um documento que comprova sua capacidade de financiar um im\u00f3vel.
              Ela fortalece sua posi\u00e7\u00e3o de compra e define o valor que voc\u00ea pode financiar<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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              Peguei minha carta de pr\u00e9-aprova\u00e7\u00e3o. E agora? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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              Agora \u00e9 hora de escolher seu im\u00f3vel, fazer a proposta e seguir com as etapas de avalia\u00e7\u00e3o, underwriting e fechamento.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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              O que s\u00e3o os Closing Costs? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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              S\u00e3o os custos finais da compra, incluindo taxas legais, cart\u00f3rio, avalia\u00e7\u00e3o e seguros.
              Variam entre 3,5% e 6% do valor do im\u00f3vel.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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              Quais s\u00e3o os Closing Costs do meu financiamento? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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              Depende do tipo de financiamento e localiza\u00e7\u00e3o. Incluem:<\/p>

              • Taxa de avalia\u00e7\u00e3o<\/li>
              • Custos legais e de cart\u00f3rio<\/li>
              • Seguro da propriedade<\/li>
              • Taxas administrativas<\/li><\/ul>

                O Filipe far\u00e1 uma simula\u00e7\u00e3o personalizada para voc\u00ea.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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                J\u00e1 financiei uma casa. Consigo refinanciar com uma parcela menor? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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                Sim! Se os juros baixaram ou seu im\u00f3vel valorizou, \u00e9 poss\u00edvel refinanciar para reduzir a parcela.
                Filipe analisa sua situa\u00e7\u00e3o e orienta se essa \u00e9 uma boa oportunidade.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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                Quero comprar um im\u00f3vel para reformar e revender. Existe financiamento para isso? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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                Sim! O Hardmoney Loan <\/b>\u00e9 ideal para quem quer comprar, reformar e revender com agilidade.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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                Antes de investir em um projeto Fix & Flip, considere: <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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                Custo total da reforma e financiamento<\/p>

                • Potencial de valoriza\u00e7\u00e3o<\/li>
                • Prazos para revenda e quita\u00e7\u00e3o<\/li><\/ul>

                  O Filipe te orienta a escolher o programa ideal para maximizar o retorno<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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                  A FG Mortgage trabalha com leil\u00e3o? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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                  Sim. Em alguns casos, \u00e9 poss\u00edvel financiar im\u00f3veis adquiridos em leil\u00e3o, dependendo:<\/p>

                  • Do estado do im\u00f3vel<\/li>
                  • Da documenta\u00e7\u00e3o dispon\u00edvel<\/li>
                  • Da sua qualifica\u00e7\u00e3o de cr\u00e9dito<\/li><\/ul>

                    Fale com a equipe FG Mortgage para saber como se preparar para esse tipo de compra.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

                    Q&A Turn Your Dream Home into Reality with FG Mortgage\u2014Flexible Solutions, Competitive Rates, and Personalized Support at Every Step. Who is Filipe Guimar\u00e3es? An experienced Loan Officer with over 20 years in the industry and more than 1,500 U.S. families served\u00a0 How can Filipe help me? Personalized analysis Help obtaining quick pre-approval Access to the […]<\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-209","page","type-page","status-publish","hentry"],"featured_image_src":null,"featured_image_src_square":null,"_links":{"self":[{"href":"https:\/\/fgmortgagecorp.com\/pt\/wp-json\/wp\/v2\/pages\/209","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fgmortgagecorp.com\/pt\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/fgmortgagecorp.com\/pt\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/fgmortgagecorp.com\/pt\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/fgmortgagecorp.com\/pt\/wp-json\/wp\/v2\/comments?post=209"}],"version-history":[{"count":0,"href":"https:\/\/fgmortgagecorp.com\/pt\/wp-json\/wp\/v2\/pages\/209\/revisions"}],"wp:attachment":[{"href":"https:\/\/fgmortgagecorp.com\/pt\/wp-json\/wp\/v2\/media?parent=209"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}